Recent content by WashingtonSkyy

  1. W

    Washington State Denied Modification

    Hey everyone! Been a couple years but wanted to let everyone know that we were able to keep the house and everything went well for several years. Had another baby, realized the house was a little too small for 4 and we had accrued a bunch of debt from that unemployment spurt I had, and the low...
  2. W

    Washington State Denied Modification

    Thanks guys! Figured I'd reply back and let you all know that everything went well. Made the trial payments on time, even got to skip two payments while they got everything squared away. Everything is great now. Hoping I don't have to play the game again but who knows. Maybe I'll want to!
  3. W

    Washington State Denied Modification

    I reapplied for the modification, they suspended the foreclosure, and not even a few days later they approved me for the FHA Home Affordable modification. It's lowered my payment by $300 a month, and apparently says that the amount I owed (almost $40,000) will be put into an interest free loan...
  4. W

    Washington State Denied Modification

    Finally received notice of when the sale date would be and it is May 29th, 2015. I still have a few moths, and recently asked for a promotion, and got much more than I expected. Before, whereas I was making barely enough to cover the mortgage payment, I now make double the amount of my mortgage...
  5. W

    Washington State Denied Modification

    I will be looking into calling them for sure in the next few days. I want to try to extend this as long as possible, or be able to keep the home. Thank you again. I'll keep you posted.
  6. W

    Washington State Denied Modification

    Yes it was the NOD this time. It says "Notice of Default" and it was taped to my front door. I also received like 7 copies of the same thing in the mail. I'm just not sure if that timeline is accurate. I want to make sure, I've reapplied for a modification again, but am just worried I'll get...
  7. W

    Washington State Denied Modification

    From the NOD itself, it sounds like I have almost 120 days still? Just unsure if this is correct. Any help from someone in Washington would be great. I've attempted to contact attorney's, lawyers, foreclosure experts and nobody can tell me anything. I'm honestly at a loss on where to look for...
  8. W

    Washington State Denied Modification

    Received the NOD today. Any idea of a timeline that I have at this point?
  9. W

    Washington State Denied Modification

    Do you mean post it to the property, by means of tape or a nail or something? Because I definitely never received anything like that. I remember receiving door hangers that gave me options, but never had amounts or anything.
  10. W

    Washington State Denied Modification

    I should add to that, I would, above all else, prefer to fight and keep my home for my family.
  11. W

    Washington State Denied Modification

    It's very possible that I just overlooked it as well. I'm trying to get in touch with a realtor that specializes in short sales to see what my options are. Would definitely like to come out of this not owing anything, or just walking away if they can forgive the debt.
  12. W

    Washington State Denied Modification

    I honestly don't believe I've received an actual NOD, based on what the requirements of the letter format are. I found this on foreclosure.com for the state of Washington. "Notice of default as described above must contain certain information, including a description of the default, the lenders...
  13. W

    Washington State Denied Modification

    I also wanted to add, I'm not sure if I've received the notice of default. Everything that I've received for the last 6-7 months have not been anything like that. Is it possible the Notice of Default was sent out shortly after I stopped paying and perhaps I missed it? I've read up that it...
  14. W

    Washington State Denied Modification

    Sorry for the long delay in response here, I didn't realize anything had been posted since I last posted. I checked public record today and it states "Appointment of Trustee". Any idea of the length I have left before I have to vacate the home? I have not received any letters stating this...
  15. W

    Washington State Denied Modification

    I'm going to send all the letters via certified mail today. Since it's currently in "suspended foreclosure" will sending these letters make them actively try to pursue foreclosure again? Just worried if I should start the battle or try to ride it out until something else happens?